Credit Risk Analyst

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Job Overview

Corporate Developed Markets (CDM) Underwriting is an integral part of the Institutional Credit Management (“ICM”) Underwriting organization. The ICM UW's mandate is to deliver best-in-class credit risk analysis, monitoring and credit administration as a partner to ICM Risk and Banking shared commitment to ensuring the safety and soundness of wholesale lending across ICM.

ICM Risk Analysis Credit Risk Analysts are responsible for a portfolio of ICM Risk Relationships, owning the Credit Risk Analysis for those relationships, and being responsible for the continuous monitoring of that portfolio. Credit Risk Analysts are expected to use their industry and financial knowledge to perform credit assessments, including applying discretionary judgment on aspects that relate to credit risk ratings, regulatory classification and credit recommendation to second line of defense. That includes the production of Annual Reviews, Quarterly Reviews, Transactions memos.  

A Credit Risk Analyst is expected to have a basic understanding of credit risk, leveraging off an academic background Finance, Accounting, or Business Administration. They should need close supervision from their respective Underwriter but take each interaction opportunity to further learn about credit risk, industry fundamentals, effective writing and communication.

This role has responsibility for the portfolio of Consumer Goods & Retail Relationships and the role reports directly to the Underwriting Manager.

Key Responsibilities:

• Assess the credit and financial strength of Citi’s counterparts by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors
• Complete Credit Analysis Write-up Memos and Final Obligor Risk Ratings of Citi’s Counterparties based on independent assessment and judgement completed on the due diligence of the client and industry knowledge to provide appropriate extensions of credit remaining within Risk appetite.
• Perform Transaction memos approvals in a timely manner according to Business priority, discretionary recommendation should be documented in the memo on the proposal.
• Exercise discretion and independent judgement based on the analysis performed to make recommendations to second line of defense on risk ratings, classifications and proposal.
• Continuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to UWs, ICM Risk and Banking partners
• Partnership with applicable regional and industry stakeholders in Banking and Independent Risk in the implementation of credit assessment and monitoring standards for applicable portfolios
• Support ICM Risk Analysis Voice of the Employee (VOE) initiatives
• Travel (less than 10%)

Skills/Competencies:

• Risk & Credit Underwriting:
  • Fundamental analytical skills, including an understanding of key financial components (liquidity position, leverage profile) with the ability to identify root causes and trends and anticipate horizon issues
  • Demonstrates basic knowledge of financial statements and GAAP accounting or similar governance relating to country of operation
  • Displays basic industry research capabilities, including risk and key drivers
  • Basic understanding of Credit Policy and procedures; proactively refers to resources as needed
  • Demonstrates ability to identify potential risk issues that need escalation and escalates them promptly
  • Been able to articulate orally and in written credit recommendations for decision making using judgement and knowledge from the credit analysis. 

• Leadership:
  • Displays a deep commitment and positive attitude to Citi and colleagues, is reliable, and eager to do more
  • Embraces the need for change and appreciates its benefits with natural curiosity
  • Demonstrates professionalism by being reliable, actively contributing in meetings, asking questions and challenging ideas

• Competencies:
  • Interpersonal skills, with the ability to build relationships
  • Organizational skills with ability and willingness to work under pressure and manages time and priorities effectively
  • Strong written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority

• Technical:
  • Microsoft Office (Word, Excel, and PowerPoint) skills
  • Knowledge of Financial Modeling Concepts

Qualifications:

• BA/BS in Finance or Accounting or higher degree in Business (MBA), or any other related subject

This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.

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Job Family Group:

Risk Management

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Job Family:

Credit Decisions

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Time Type:

Full time

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Primary Location:

Irving Texas United States

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Primary Location Full Time Salary Range:

$59,200.00 - $82,600.00

In addition to salary, Citi’s offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire.

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Most Relevant Skills

Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.

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Other Relevant Skills

For complementary skills, please see above and/or contact the recruiter.

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Anticipated Posting Close Date:

Sep 17, 2025

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Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.

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